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					SERFF Tracking Number:     PPIC-125354769                                   State:                     Arkansas

Filing Company:            Preferred Professional Insurance Company         State Tracking Number:     EFT $25

Company Tracking Number:   AR-PS-07-03

TOI:                       11.1 Medical Malpractice - Claims Made Only      Sub-TOI:                   11.1000 Med Mal Sub-TOI Combinations

Product Name:              Physicians & Surgeons Medical Malpractice

Project Name/Number:       Rule Revision - Employed Physician Relativity/




Filing at a Glance

Company: Preferred Professional Insurance Company
Product Name: Physicians & Surgeons Medical SERFF Tr Num: PPIC-125354769                               State: Arkansas
Malpractice
TOI: 11.1 Medical Malpractice - Claims Made SERFF Status: Closed                                       State Tr Num: EFT $25
Only
Sub-TOI: 11.1000 Med Mal Sub-TOI            Co Tr Num: AR-PS-07-03                State Status: Fees verified and
Combinations                                                                      received
Filing Type: Rule                           Co Status:                            Reviewer(s): Betty Montesi, Edith
                                                                                  Roberts, Brittany Yielding
                                             Authors: Kristyn Atchley, Denise HillDisposition Date: 11/26/2007
                                             Date Submitted: 11/12/2007           Disposition Status: Filed
Effective Date Requested (New): 01/01/2008                                        Effective Date (New):
Effective Date Requested (Renewal): 01/01/2008                                    Effective Date (Renewal):

General Information

Project Name: Rule Revision - Employed Physician Relativity                                Status of Filing in Domicile: Pending
Project Number:                                                                            Domicile Status Comments:
Reference Organization: N/A                                                                Reference Number: N/A
Reference Title: N/A                                                                       Advisory Org. Circular: N/A
Filing Status Changed: 11/26/2007
State Status Changed: 11/26/2007                                                           Deemer Date:
Corresponding Filing Tracking Number: N/A
Filing Description:
Preferred Professional Insurance Company (PPIC) is filing a rule revision for the rate relativity for employed physicians.
Based on PPIC’s countrywide experience, PPIC plans to introduce an employed physician relativity of 85%. Included
with this filing is an exhibit containing PPIC experience for this category of physicians. Historically, 34.5% of PPIC’s
premium would have been eligible for this benefit which produces an estimated rate impact of this change of -5.2%
countrywide.


We are submitting revised Underwriting Rule #UW-38, Payroll Employees, for approval. This rule is contained on pages




                                                     Created by SERFF on 11/26/2007 12:57 PM
SERFF Tracking Number:     PPIC-125354769                                   State:                   Arkansas

Filing Company:            Preferred Professional Insurance Company         State Tracking Number:   EFT $25

Company Tracking Number:   AR-PS-07-03

TOI:                       11.1 Medical Malpractice - Claims Made Only      Sub-TOI:                 11.1000 Med Mal Sub-TOI Combinations

Product Name:              Physicians & Surgeons Medical Malpractice

Project Name/Number:       Rule Revision - Employed Physician Relativity/

40 through 43. On pages 40 and 41 the only changes are the Effective Date and Revision date. On page 42, we have
added “Employed Physician” under “Physician” along with a relativity of 0.85. As shown on the rule page, the relativity
percentage will be taken against the class level of their practicing specialty as indicated in the Classification Table of our
manual. A highlighted side-by-side comparison of pages 40 through 43 has been included in the supporting
documentation section of this filing.


PPIC is requesting an effective date of January 1, 2008, for this rule revision.


Company and Contact

Filing Contact Information
Kristyn Atchley,                                           katchley@ppicins.com
11605 Miracle Hills Drive                                  (800) 441-7742 [Phone]
Omaha, NE 68154-4467                                       (402) 392-2673[FAX]
Filing Company Information
Preferred Professional Insurance Company                   CoCode: 36234                             State of Domicile: Nebraska
11605 Miracle Hills Drive                                  Group Code:                               Company Type: P & C
Suite 200
Omaha, NE 68154-4467                                       Group Name:                               State ID Number:
(800) 441-7742 ext. 240[Phone]                             FEIN Number: 47-0580977
                                                           ---------

Filing Fees

Fee Required?              Yes
Fee Amount:                $25.00
Retaliatory?               No
Fee Explanation:           $25 for independent rule filings
Per Company:               No


COMPANY                                                    AMOUNT                    DATE PROCESSED         TRANSACTION #
Preferred Professional Insurance Company                   $25.00                    11/12/2007             16594633




                                                     Created by SERFF on 11/26/2007 12:57 PM
SERFF Tracking Number:     PPIC-125354769                                   State:                   Arkansas

Filing Company:            Preferred Professional Insurance Company         State Tracking Number:   EFT $25

Company Tracking Number:   AR-PS-07-03

TOI:                       11.1 Medical Malpractice - Claims Made Only      Sub-TOI:                 11.1000 Med Mal Sub-TOI Combinations

Product Name:              Physicians & Surgeons Medical Malpractice

Project Name/Number:       Rule Revision - Employed Physician Relativity/

Correspondence Summary

Dispositions


Status            Created By                                                Created On                   Date Submitted


Filed             Edith Roberts                                             11/26/2007                   11/26/2007




                                                     Created by SERFF on 11/26/2007 12:57 PM
SERFF Tracking Number:     PPIC-125354769                                   State:                   Arkansas

Filing Company:            Preferred Professional Insurance Company         State Tracking Number:   EFT $25

Company Tracking Number:   AR-PS-07-03

TOI:                       11.1 Medical Malpractice - Claims Made Only      Sub-TOI:                 11.1000 Med Mal Sub-TOI Combinations

Product Name:              Physicians & Surgeons Medical Malpractice

Project Name/Number:       Rule Revision - Employed Physician Relativity/

Disposition

Disposition Date: 11/26/2007
Effective Date (New):
Effective Date (Renewal):
Status: Filed
Comment:


Rate data does NOT apply to filing.




                                                     Created by SERFF on 11/26/2007 12:57 PM
SERFF Tracking Number:     PPIC-125354769                                   State:                           Arkansas

Filing Company:            Preferred Professional Insurance Company         State Tracking Number:           EFT $25

Company Tracking Number:   AR-PS-07-03

TOI:                       11.1 Medical Malpractice - Claims Made Only      Sub-TOI:                         11.1000 Med Mal Sub-TOI Combinations

Product Name:              Physicians & Surgeons Medical Malpractice

Project Name/Number:       Rule Revision - Employed Physician Relativity/

Item Type                                  Item Name                              Item Status                                     Public Access
Supporting Document                        Uniform Transmittal Document-Property &Filed                                           Yes
                                           Casualty
Supporting Document                        NAIC Loss Cost Filing Document for     Filed                                           Yes
                                           OTHER than Workers' Comp
Supporting Document                        NAIC loss cost data entry document     Filed                                           Yes

Supporting Document                        Form PROMAL                                               Filed                        Yes

Supporting Document                        Form PRONOT                                               Filed                        Yes

Supporting Document                        Employed Physician Relativity Supporting Filed                                         Yes
                                           Documentation
Supporting Document                        UW-38 Side-by-Side Comparison            Filed                                         Yes

Rate                                       Underwriting Guideline Rule UW38,                         Filed                        Yes
                                           Payroll Employees




                                                     Created by SERFF on 11/26/2007 12:57 PM
SERFF Tracking Number:     PPIC-125354769                                   State:                   Arkansas

Filing Company:            Preferred Professional Insurance Company         State Tracking Number:   EFT $25

Company Tracking Number:   AR-PS-07-03

TOI:                       11.1 Medical Malpractice - Claims Made Only      Sub-TOI:                 11.1000 Med Mal Sub-TOI Combinations

Product Name:              Physicians & Surgeons Medical Malpractice

Project Name/Number:       Rule Revision - Employed Physician Relativity/

Rate Information

Rate data does NOT apply to filing.




                                                     Created by SERFF on 11/26/2007 12:57 PM
SERFF Tracking Number:       PPIC-125354769                                   State:                      Arkansas

Filing Company:              Preferred Professional Insurance Company         State Tracking Number:      EFT $25

Company Tracking Number:     AR-PS-07-03

TOI:                         11.1 Medical Malpractice - Claims Made Only      Sub-TOI:                    11.1000 Med Mal Sub-TOI Combinations

Product Name:                Physicians & Surgeons Medical Malpractice

Project Name/Number:         Rule Revision - Employed Physician Relativity/

Rate/Rule Schedule

Review Status: Exhibit Name:                      Rule # or Page Rate Action                    Previous State Filing Attachments
                                                  #:                                            Number:


Filed                  Underwriting GuidelinePages 40                    Replacement            None given               UW 38 Revised Pages
                       Rule UW38, Payroll through 43                                                                     11-1-07.pdf
                       Employees




                                                       Created by SERFF on 11/26/2007 12:57 PM
SERFF Tracking Number:     PPIC-125354769                                   State:                        Arkansas

Filing Company:            Preferred Professional Insurance Company         State Tracking Number:        EFT $25

Company Tracking Number:   AR-PS-07-03

TOI:                       11.1 Medical Malpractice - Claims Made Only      Sub-TOI:                      11.1000 Med Mal Sub-TOI Combinations

Product Name:              Physicians & Surgeons Medical Malpractice

Project Name/Number:       Rule Revision - Employed Physician Relativity/

Supporting Document Schedules

                                                                                                     Review Status:
Satisfied -Name:           Uniform Transmittal Document-                                             Filed                            11/26/2007
                           Property & Casualty
Comments:
Attached is the NAIC P&C Transmittal Document
Attachment:
AR-PS-07-03 NAIC P&C Transmittal Doc.pdf


                                                                                                     Review Status:
Bypassed -Name:            NAIC Loss Cost Filing Document                                            Filed                            11/26/2007
                           for OTHER than Workers' Comp
Bypass Reason:             This is not a Loss Cost Adoption filing.
Comments:


                                                                                                     Review Status:
Bypassed -Name:            NAIC loss cost data entry document                                        Filed                            11/26/2007
Bypass Reason:             This is not a loss cost filing.
Comments:


                                                                                                     Review Status:
Bypassed -Name:            Form PROMAL                                                               Filed                            11/26/2007
Bypass Reason:             This is not a rate increase filing.
Comments:


                                                                                                     Review Status:
Bypassed -Name:            Form PRONOT                                                               Filed                            11/26/2007
Bypass Reason:             This is not a rate increase filing.
Comments:


                                                                                                     Review Status:
Satisfied -Name:           Employed Physician Relativity                                             Filed                            11/26/2007
                           Supporting Documentation



                                                     Created by SERFF on 11/26/2007 12:57 PM
SERFF Tracking Number:     PPIC-125354769                                   State:                   Arkansas

Filing Company:            Preferred Professional Insurance Company         State Tracking Number:   EFT $25

Company Tracking Number:   AR-PS-07-03

TOI:                       11.1 Medical Malpractice - Claims Made Only      Sub-TOI:                 11.1000 Med Mal Sub-TOI Combinations

Product Name:              Physicians & Surgeons Medical Malpractice

Project Name/Number:       Rule Revision - Employed Physician Relativity/

Comments:
Attached is the supporting documentation for the proposed rule change.
Attachment:
Employed Phys Relativity Supporting Documentation.pdf




                                                     Created by SERFF on 11/26/2007 12:57 PM
SERFF Tracking Number:     PPIC-125354769                                   State:                        Arkansas

Filing Company:            Preferred Professional Insurance Company         State Tracking Number:        EFT $25

Company Tracking Number:   AR-PS-07-03

TOI:                       11.1 Medical Malpractice - Claims Made Only      Sub-TOI:                      11.1000 Med Mal Sub-TOI Combinations

Product Name:              Physicians & Surgeons Medical Malpractice

Project Name/Number:       Rule Revision - Employed Physician Relativity/



                                                                                                     Review Status:
Satisfied -Name:           UW-38 Side-by-Side Comparison                                             Filed                            11/26/2007
Comments:
Attached is a side-by-side comparison of the rule change with the changes highlighted in yellow.
Attachment:
AR Rule Revision Side-by-Side Comparison.pdf




                                                     Created by SERFF on 11/26/2007 12:57 PM
October 23, 2007                                                                                                          1


           PREFERRED PROFESSIONAL INSURANCE COMPANY
            Physicians and Surgeons Professional Liability Rate Filing


This memorandum outlines a revision to the physicians and surgeons professional liability
rate relativities effective January 1, 2008 for Preferred Professional Insurance Company
(“PPIC”). Based on PPIC’s countrywide experience, PPIC plans on introducing an employed
physician relativity of 85%. Attached is an exhibit containing PPIC experience for this
category of physicians. Historically, 34.5% of PPIC’s premium would have been eligible for
this benefit which produces an estimated rate impact of this change of -5.2%.




                             S:\34071\07\TILL\RATES\EXEC-DELIV\REPORTS\071022 EERELATIVITY P&S RATE FILING 010108 FINAL.DOC
                                                                                            Exhibit A

                    PREFERRED PROFESSIONALS INSURARANCE COMPANY

                                  Employed Versus Individual Physicians


                                       Reported                           Relativity     Premium
 Policy Year        Premium             Losses         Loss Ratio         to Total      Distribution
     (1                (2)                (3)             (4)                (5)            (6)

All Physicians
          1999
          2000
          2001
          2002
          2003
          2004
          2005
          2006

    Total         $366,902,859       $255,933,278             0.698             1.OOO        100.0%


Employed Physicians
        1999      $11,675,206
        2000        6,371,626
        2001       10,721,485
        2002       17,774,770
        2003       20,332,541
        2004       21,821,364
        2005       27,448,491
        2006       27,924,611

    Total          144,070,093         80,189,708


lndividual Physicians
           1999      $7,656,894
          2000        6,489,241
           2001       7,893,647
          2002       18,367,936
          2003       31,005,252
           2004      44,280,874
           2005      54,146,148
          2006       52,992,773

    Total         $222,832,766       $175,743,570




 Notes: (2),(3)   Based on PPlC countrywide data.
            (4)   (3142).
            (5)   (4) divdied by total (4).
            (6)   (2) divided by total (2).
          PREFERRED PROFESSIONAL INSURANCE COMPANY                                                    PREFERRED PROFESSIONAL INSURANCE COMPANY
                  UNDERWRITING GUIDELINES                                                                     UNDERWIUTING GUIDELINES



SUBJECT: PAYROLL EMPLOYEES                                                                 SUBJECT: PAYROLL EMPLOYEES
LINE OF COVERAGE: HEALTH CARE PROVIDER OCCURRENCE AND                                      LINE OF COVERAGE, HEALTH CARE PROVIDER - OCCURRENCE AND
CLAHVIS MADE                                                                               CLAIMS MADE
GUIDELINE NUMBER: UW 38       M
                                                                                           GUIDELINE NUMBER, UW-38
EFFECTIVE DATE, 07/01/92      REVISION DATE: 07/01/99                                      EFFECTIVE DATE, 1I/01/2007    REVISION DATE, 11/0112007


A.   Shared Limils of Liability for Payroll Employees:                                     A.   Shared LimIts ofLinbility for Payroll Employees:

     I. Coverage IS provided nt no charge to the Insured phYSICian for his/her liability        i. Coverage IS provided at no charge to the Insured phySICian for hislher liability
        for the supervlSlon or the acts of payroll employees.                                        for the superviSIon or the acts of payroll employees.
     1. Payroll employees are additional insureds under the policy (except phYSICHlllS,         ~"   Payroll employees are additlOnai insureds under the policy (excel1t phYSICIans,
        surgeons. certified registered nurse anesthetists, physlcmn or surgical                      surgeons, certified registered nurse anesthetIsts, phYSICIan or surglcai
        asSistants, nurse midWIves, podiatnsis. and dentists).                                       asSIstants, nurse midWIves, podiatrists, and dentists).
     J. The excluded lluyroll employees shown In 2. above may bc added for an                   •L   The excluded payroll employees shown III 2. above may be added for an
        additional charge. Referto B below.                                                          additional charge. Refer to B below.
     4. Payroll employecs as additional insureds have coverage restricted to                    4.   Payroll employees as additional insureds have coverage restncted to
        profeSSIOnal aCIS dOne as an employee of our Insured. There IS DQ coverage                   profeSSIOnal acts done as an employee of our Insured. There IS.!lQ coverage
        for any Independent work of the payroll employee Insured.                                    for any mdependent work of the payroll employee Insured.
     5. Payroll employees will be added to a corporallon policy. [fthe Insured is a             S.   Payroll employees will be added to a corporatIon policy. If the msured is a
        sole proprietor, the employees may be added to the sole proprletor's policy.                 sole proprietor, the employees may be added to the sale proprietor's policy.
     6. limits of ll;,bility are always shared with the cOrporallon, or physlclUn. For          6.   Limits ofliability are always shared with the corporailon, or phySICIan. For
        separate limits see B. beiow.                                                                separate limits see B. below.
     7. Volunteers will be considered as a {layroll eml1loyee provided that they are not        7.   Volunteers will be considered as a payroll employee provided that they are not
        excluded in 2. above.                                                                        excluded in 2. above.
     8. No additIOnal premium IS charged.                                                       8.   No additional premium IS charged.
     9. The extended reportmg peflod for tile policy to which the payroll employee IS           9.   The extended reportmg penod for the policy to which the payroll employee IS
        altached governs the tail coverage for all payroll employees.                                attached governs the tail coverage for all payroll employees.

B.   Separate Limits of Liability for Payroll Employees and Excluded Payroll               B.   Separate limIts of Liability for Payroll Employees and Excluded Payroll
     Employees                                                                                  Employees

     1. Coverage IS provided at no charge to the Insured physlcmn for his/her liability         I. Coverage IS provided at no charge to the lIlsured physlcmn for his/her liability
        for the superviSIon or the acts of all employees.                                          for the supervISion or the acts of all employees.
     2. Payroll employees will be endorsed as an additional insured under the policy            2. Payroll employees will be endorsed as an additional insured under the poHey
     J. Payroll employees as additional insureds have eovemge restncted to                      J. Payroll employees as additional insureds have coverage restricted to
        profeSSIonal acts done as an employee of our msured. There IS D.Q coverage                 profeSSional acts done as an employee of our msured. There IS DQ coverage
        for any mdependent work of the payroll employee msured.                                    for any mdependent work of the payroll employee msured.




                                                          AIO/P&C       NOV' 5 1999
                                       '"                                                                                           '0
           PREFERRED PROFESSIONAL INSURANCE COMPANY                                                I'REFERRED PROFESSIONAL INSURANCE COMPANY
                   UNDERWRITING GUIDELINES                                                                  UNDERWRITING GUIDELINES
SUBJECT: PAYROLL EMPLOYEES (Continued)
LINE OF COVERAGE, HEALTH CARE PROVIDER OCCURRENCE AND
CLAIMS i\'IADE                                                                            SUBJECT: PAYROLL EMPLOYEES (Continued)
GUIDELINE NUMBER: UW-38                                                                   LINE OF COVERAGE, HEALTH CARE PROVIDER - OCCURRENCE AND
EFFECTIVE DATE: 07/01192       1 REVISION DATE: 07/01/99                                  CLAIMS MADE
                                                                                          GUIDELINE NUMBER, UW-38
    4, Payroll employees will be added to a corporatIOn policy. If the lllsured is a      EFFECTIVE DATE, 11/01/2007   I REVISION DATE: 1II01/2007
       sole oropnetor. the Payroll employees may be added to the sak proprietor's
       policy.                                                                                4. Payroll employees will be added to a corporation policy. If the msured is a
    5. A separate limit ofliability will be provided to each payroll employee III                sole propnetor, the payroll employees may be added to the sole propnetor'S
       which a premIUm is collected.                                                             policy.
    6. The premIUm IS detenmned as follows:                                                   5. A separate limit of liability will be provided to each payroll employee In
       u. Detenmne the at limits rates for a class I phYSICian, at the same "claims              which a premIUm IS collected.
          made" step as the physIcian the payroll employee does thc majority of               6. The premium IS detennlned as follows:
          their work for.                                                                        a. Detennine the at limits rates for a class I physiCian, at the same "claims
       b. Based on the specmlty of tile employee, delenmne the correct code                          made" step as the physlcUIn the payroll employee does the majority of their
          number and ratc percentage. The code 11 and rate percentage are shown on                   work for.
          the follOWing page.                                                                    b. Based on the speCialty of the employee, detenmne the correct code number
       c. Multiply the percentage detenmned by the rate.                                             and rate percentage. The code II and rate percentage are shown on the
    7. Mimmum premIUm to add a payroll employee IS $100 per employee.                                followmg page.
    8. The para~professlOnal employee shaH have the optIOn to purchase extended                  c. Multiply the percentage detennmed by the rate.
       repOrlmg penod coverage for the policy to which the coverag!: IS attached.             7. Minimum preffimm to add a payroll employee IS $100 per employee.
                                                                                              8. The para~professlOnai employee shall have the optIOn to purchase extended
                                                                                                 reportmg peflod coverage for the policy to which the coverage 15 anached.




                                                                                  \'.'"
                                      41                 f\IDIPf:;"    [,WV                                                     , I
            PREFERRED PROFESSIONAL INSURANCE COMPANY                                                PREFERRED PROFESSIONAL INSURANCE COMPANY
                    UNDERWRITING GUIDELINES                                                                 UNDERWRITING GUIDELINES


Code       Spec lUI tv DescnpllOn                     % oJfClass I Raies filed           Code      Specialty DescnptlOn                       % of Class i Rates filed
                                                      on Statl:: Rille Paucs                                                                  on Statc Rate Pages
           Dentists                                   Refer 10 Underwriting                        Dentists                                   Refer to Underwriting
           Nurse:                                                                                  Nurse;
87907      Anesthetist                                                                   87907     Anesthetist
           0. Supervised by Surgeon                    1.50                                        a. Supervised by Surgeon                    1.50
           b. Supervised by AnesthesIOlogists         .75                                          b. Supervised by AnesthesIOlogists         .75
87908      c. Unsupervised                            2.00                               87908     c. Unsupervised                            2.00

87910      Midwife                                     1.75                              87910     Midwife                                    1.75
           PhYSICian                                  As shown In Classificatlon Table             PhYSICian                                  As shown m ClassificatIOn Table
87920      PhYSICian Assistant                        .25                                          Employed PhYSician                         0.85 ofpractlcmg specialty as shown
87921      Podiatnst (surgery)                        2.50                                                                                    10 the ClassificatIOn Table
87922      Podiatnst (no surgery)                      I. 75                             87920     Physlctan Asststant                        .25
           Surgeon                                    As shown m Classification Table    87921     Podiatnst (surgery)                        2.50
87924      Surgical Assistant                         .60                                87922     Podiatnst (no surgery)                     1.75
87998      All Other                                  Refer to UnderwritIng                        Surgeon                                    As shown In ClassificatIOn Table
                                                                                         87924     Surgical ASSistant                         .60
•   If more than two CRNA's are supervised by one anesthesIOlogist, refer to             87998     All Other                                  Refer to Underwriting
    Underwriting for ratmg.
                                                                                            Ifmore than two CR.NA's are supervised by one anesthesiologist, refer to
              MISCELLANEOUS PROFESSIONALS - PER EMPLOYEE                                    Underwriting for ratmg.

Description                                                   Class Code   Relativih'                 MISCELLANEOUS PROFESSIONALS - PER EMPLOYEE
Health SCiences - PhYSICist/Biologist                         90101        0.15
Chiropractor                                                  80410        0.60          Descrlption                                                  Clnss Code       Relativity
Chiropractor - Employed                                       80411            0.25      Health Sciences - PhYSIClstlBiologlst                        90101            0.15
Chiropractor - ASSistant                                      90304            0.25      Chiropractor                                                 80410            0.60
Laboratory Services - SupervlsorlDirector                     90401            0.075     Chiropractor - Employed                                      80411            0.25
Laboratory Services - Medical TechOlCllln                     80711            0.05      Chiropractor - ASSistant                                     90304            0.25
Laboratory Services - X~ray TechOlcmn                         80713            0.05      Laboratory Servtces - SllpervlsorlDirector                   90401            0.075
Laboratory Services - EEGIEKGlUltrasound Tech.                90405            0.075     Lahoratory Services - Medical Techmetan                      80711            0.05
Dietlcmn or Nutritiomst                                       87903            0.Q75     Laboratory ServIces - X~ray TechniCian                       80713            0.05
Midwife ASSistant                                             91402            0.50      LaboralOry Setvlces - EEGIEKGlUltrasound Tech.               90405            0.Q75
Nursmg Services - Nurse                                       80998            0.025     Dietlctan or Nutritiomst                                     87903            0.Q75
Nursmg Services - Aide/Homemaker                              91504            0.02      Midwife ASSistant                                            91402            0.50
Nursing Servtces - Student Nurse Anesthetist                  91509            0040      Nursmg Services - Nurse                                      80998            0.025
Nursmg Services - RN Anesthetist                              91510            1.30      Nursmg Services - AideIHomemaker                             91504            0.02
Occupational Therapist                                        91601            0.60      Nursmg Services - Stupent Nurse Anestheust                   91509            0.40
OccupatIOnal Therapist - ASSistant                            91602            0.35      Nursmg Services - RN Anesthetist                             91510            1.30
                                                                                         Occupational Therapist                                       91601            0.60


                                         42

                                                                                                                                 "
             PREFERRED PROFESSIONAL INSURANCE COMPANY                            PREFERRED PROFESSIONAL INSURANCE COMPANY
                            UNDERWRITING GUIDELINES                                           UNDERWRITING GUIDELINES
OptlClan                                          87916 0.075     OccupatIOnal Therapist - ASSistant                91602 0.35
Optometrist                                       80994 0.075     Opllclan                                          87916 0.075
OplOmetnst - Employed                             80944 0.025     Optomelnst                                        80994 0.075
Optometry AsslstantITechmc Inn
        +                                         91802 0.15      Optometnst - Employed                             80944 0.025
Opthamalogic Techmclan                            87926 0.10      Optometry-AsslstanuTechnlclan                     91802 0.15
Orthotics/Prosihetisl - Fittlllg Only             91901 0.50      Opthamaloglc TechnicHln                           87926 0.10
Prosthetist                                       87927 0.75      OrthotlcslProsthetist - Fittmg Oniy               91901 0.50
Pharmacist                                        59112 0.10      Prosthctlst                                       87927 0.75
Pharmacist Assistant                              92002 0.075     PharmaCist                                        59112 0.10
Physical Therapist - Owner                        80995 0.15      PharmaCist ASSistant                              92002 0.075
PhYSlcHln Therapy~ Assistant!AideITechlllcwn      92102 0.05      PhySical Thcraplst - Owner                        80995 0.15
Physical Therapist - Employed                     92103 0.075     PhySICian Therupy-AsslstantlAideffcchl1lclan      92102 0.05
Physlculn Extender - Nurse PractitIOner           92201 0040      PhySical Therapist - Employed                     92103 0.075
PhYSICian Extender-Phys/Surg/Anesth. Assistant    92202 0.50      PhySICian Extender - Nurse PractitIOner           92201 0.40
PhysIcian Extender - Perfuslomst                  92203 1.25      PhySICian Extender-Phys/SurgiAnesth. ASSistant    92202 0.50
Psychologist                                      92401 0.35      PhYSician Extender - PerfuslOl1Ist                92203 1.25
ResjJlratory TIlemplst                            92601 0.50      Psychotoglst                                     92401  0.35
Respinnory TheraPist - Aide/AsslstantITech        92602 0.35      Respiratory Therapist                             92601 0.50
SocHlI Worker                                     87905 0.10      ResPlr.ltory TheraPist - Aide!Asslstantffcch     92602  0.35
Health Services NOe - Paramedic/EMT               93105 0.25      Socml Worker                                      87905 0.10
Health Services NOe - Medical Office Assistant    93106 O.oJ5     Hcalth Scrvlces NOC - ParamedidEMT               93105  0.25
Health Services NOe - Operatmg Room Techmcmn      93107 0.075     Health Services NOe - Medical Officc ASSistant   93106  0.035
Dentist - Hyglemst                                93201 0.10      Health Services NOC - Operatmg Room Technician   93107  0.075
Dentist - NOe                                     93202 0.60      DentIst --- Hyglemst                             93201  0.10
Dentistry Oml Surgeon                             80210 Class 5   Dentlst-NOe                                      93202  0.60
Demal Anesthesm                                   93211 2.00      Dentistry - Orat Surgeon                          80210 Class 5
Dentistry - Orthodontist                          93212 0.60      Dcntal AnestheSia                                93211  2.00
Denustry - Pedodontist                            93213 0.60      Dentistry - Orthodontist                         93212  0.60
Dentistry - Penodontlst                           93214 0.60      Dentistry - Pcdodontlst                          93213  0.60
DeIlUstry - Prosthodontlst                        93215 0.60      Dcntlstry - Penodontlst                          93214  0.60
Dentistry - Endodontist                           93216 0.60      Dcntlstry - Prosthodontist                       93215  0.60
Dentistry - Oral Pathologist                      93217 0.60      Dentlstf',' - Endodontist                        93216  0.60
Dentistry - Public Health                         93218 0.60      Dcntlstry - Ora! Pathoioglst                     93217  0.60
Dentistry - AAOMS Member                          93219 1.50      Dentlslry- Public Health                         93218  0.60
Dentistry - Other than Oral Surgeons              93220 l.50      Denllstry - AAOMS Member                         93219  1.50
X-Ray Therapy                                     80714 0.025     Dentistry - Other than Oral Surgeons             93220  1.50
Chiropodist                                       80993 0.075     X-Ray Thcrapy                                     80714 0.025
Chiropodist - Employed                            80943 0.025     Chiropodist                                       80993 0.075
OR TechmcI<:m                                     87914 0.35      Chiropodist - Employed                            80943 0.025
Scrub Nurse                                       87912 0.35      OR Techl1lcmn                                    87914  0.35
                                                                  Scmh Nurse                                       87912  0.35




                               43              -::0/)""   iil'~
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